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Articles by Ozeme J Bonnette

• Getting your Finances in Order - How to Take Care of God's Property
  We know that everything we own really belongs to God. He is the one in control, and if we seek His Kingdom first, He will provide everything we need. Let's look at how to take care of God's property.
  Published 20Nov2009, viewed 203 times

• Getting your Finances in Order: 3 Facts about Money from the Bible
  Today, we will look at three facts that will challenge you to further explore your perception of your finances. These concepts will help you move into a more peaceful frame of mind when it comes to thinking about money.
  Published 17Nov2009, viewed 234 times

• Should I Convert My Traditional IRA to a Roth IRA?
  Complacency with monitoring our accounts' diversification can lead to unnecessary risk. It is best not to be complacent about considering the current IRA conversion opportunity. It can be beneficial for many investors, and now may be a great time to consider whether it is right for you.
  Published 12Nov2009, viewed 87 times

• Uncovering the Truth about Diversification
  Sometimes, when we set goals for our retirement accounts, we concentrate only on the potential for positive returns. Then, we find ourselves ready to change our minds when the road gets a little rough. It is important to truly understand what diversification is in order to properly set up our investment accounts in a way that enables us to remain comfortable over the long term.
  Published 09Nov2009, viewed 35 times

• Setting Goals - Stick to the Plan and See It Through
  I realize that readers have come to expect an article that focuses on money and finances. This is still very relevant because there is a direct correlation between this topic and finances. Someone once told me that there is one place we can go and find a lot of potential for wealth. It's a place you would probably never guess.
  Published 06Nov2009, viewed 154 times

• Wills, Trusts, and Other Important Documents- Leaving a Lasting Legacy
  Whether sooner or later, death is inevitable for all of us. But for the sake of our families, we should be prepared. Rather than letting the state courts decide which family member should be entitled to our property, we can set up wills and trusts that divide our assets and document our last requests.
  Published 03Nov2009, viewed 123 times

• Long Term Care Insurance - Do I Really Need It?
  The Center for Retirement Research reported that 64% of pre-retirees will be at risk of not having enough money saved to maintain their lifestyles. If no major medical issues arise, it may not be so bad. But we are living longer, and with that comes an increased chance of needing long term care. Most couples are not financially prepared for paying that type of expense out of pocket. Here are 4 reasons to consider long term care insurance.
  Published 29Oct2009, viewed 219 times

• College Funding - Can We Still Afford to Help Our Children Pay for College?
  With such a volatile economy, most investment account values have been down. College savings accounts are also down. It also doesn't help to see college costs increasing at such high rates. Now, many parents are wondering whether they will still be able to help their children with college expenses. Here are some ideas that may help you determine the best way to help your children with their higher education expenses.
  Published 26Oct2009, viewed 246 times

• Home Budgets Can Be Thrown Off by Both the Expected and the Unexpected
  If there is one thing that can cause tremendous damage to our finances, it would have to be irregular expenses. These are expenses that do not happen every pay period or every month, but often come up at some point during the year. We will review a couple of the more popular irregular expenses.
  Published 20Nov2009, viewed 166 times

• Setting Smart Goals with Your Investment Accounts - What Do I Do if This Is a Recession?
  For the past two years, the stock market has mirrored a yo-yo. One day, it's up, while the next day, it's down. No one can agree on where the economy is headed. So, what is the best thing to do in an economic environment like this?
  Published 15Nov2009, viewed 182 times

• Rolling over 401k Accounts or Pensions - Should I Take a Lump Sum or Monthly Payments?
  When the time comes to retire, lots of questions come to mind when trying to decide how to collect on the fruits of our labor. Here are four reasons why I recommend taking the lump sum when rolling over 401k accounts or pensions.
  Published 12Nov2009, viewed 208 times

• Scriptures on Finances - God Holds Us Accountable for What He Has Given Us
  Financial stewards don't own anything. We just manage it. So, we need to make sure that we properly manage everything that God has entrusted to us.
  Published 08Nov2009, viewed 141 times

• Living Debt Free - 7 Problems with Debt
  Debt is one of the biggest concerns for the majority of families today. Most of us are thousands and thousands of dollars in debt. We believe in buying now and paying later, but it's not in our best interest. Debt costs more than most of us realize. Living debt free is so much better. Here are seven problems associated with excessive debt.
  Published 04Nov2009, viewed 135 times

• Tips to Save Money to Buy Your Next Car
  An important money concept to consider is exercising care when buying new vehicles. Just because the car dealership makes you feel like they've given in to make their customer happy, that could not be further from the truth. Here are some tips to keep in mind during your next purchase negotiation.
  Published 31Oct2009, viewed 169 times

• Personal Finance Basics - 10 Ways to Get Financially Fit Anytime
  Resolutions are a popular way to bring in the new year. But anytime is a good time to get your finances in order. Here are 10 personal finance basics to consider if you are ready to get your financial house in order now.
  Published 29Oct2009, viewed 188 times

• Teaching Money Management - 3 Lessons Parents can Teach their Children
  As parents, we are responsible for helping our children grow up and develop skills toward self-sufficiency. The type of people our children become has a lot to do with the instruction we provide to them. Teaching money management skills is an important area that should not be overlooked as we prepare our children for life on their own.
  Published 25Oct2009, viewed 188 times

• How to Prepare a Budget - An Easy Way to Keep Tabs on Your Finances
  While we may know how much money we have coming in, studies show that most of us have no idea what is going out. Not knowing how much money we are spending each month may put us in a position where we need money that we don't have. We may end up using credit cards or getting a payday loan to cover the shortfall. We need to actually monitor our spending habits to find out the best way to maximize our financial resources.
  Published 22Oct2009, viewed 169 times

• A Payday Loan to Pay Off Credit Cards is a Bad Idea
  For the past two years, the economy has really taken us for a ride. The economic crisis is hurting families at all economic levels. Now it is more critical than ever to be careful with your finances. Eliminating debt requires both consistency and determination. It can be tempting to seek ways to speed up the process. Some people consider taking out a loan to pay off credit cards. Here is one money mistake that you should really avoid.
  Published 17Oct2009, viewed 448 times

• Get Out of Debt Quick - How to Work Toward being Debt Free
  Everyone wants to be debt free. The problem with debt elimination is figuring out where to start. The most important step is understanding your cash flow. Once you know what you have coming in and what needs to go out, you can create a debt repayment plan that can help you get out of debt quick. Learn how to creating a debt payoff plan.
  Published 14Oct2009, viewed 317 times

• Money Saving Techniques: 10 Ways to Save Money During the Holidays
  The holidays can turn happy seasons into times of stress and anguish, especially if you already have more debt than you'd like. So, here are 10 money saving techniques to help you keep your finances in order.
  Published 10Oct2009, viewed 227 times

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